2023 - 2024
Benefits
Click on each of the topics below for details on other changes that are effective on July 1.
Watch the recorded webinar below to learn more!
Teladoc will replace MDLive as our virtual care provider. With Teladoc, BCBSIL members get access to:
Pre-schedule and complete your appointment with a benefit counselor for a chance to win one of the following prizes:
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To help you better understand your benefit opportunities as well as assist you with completing your enrollment elections, we have again partnered with EOI Service Company to work alongside Symbria’s Benefits team.
We strongly encourage you to speak with a benefit counselor. Counseling sessions will be conducted via a pre-scheduled confidential telephone appointment. Family members are also welcome to attend the telephonic sessions to ensure a full understanding of what plans are available and what options have been selected.
Scheduling is quick and easy - you will just need to pick a time, provide your name, email address, and phone number. A counselor will contact you directly at the phone number you indicated during the date and time you selected. To schedule your confidential appointment, click the button below or call (855) 200-6968, M - F, 8 a.m. - 5 p.m., CT.
Please note that calls will be coming from (855) 200-6968 and emails will be from ‘counselorname’@eoiservice.com.
We are committed to offering a portfolio of benefits that give you peace of mind in knowing that the most important things in life are protected - your family, your finances, and your future. For detailed information about each of the benefits plans and programs available to you and your family, please click on the down arrow for each benefit listed below.
To download a temporary ID card, download the BCBSIL App to your mobile phone or by text BCBSIL to 33633.
You can also view your information online through Blue Access for Members. Visit bcbsil.com/member from your mobile phone.
Summary of Benefits & Coverage
Watch the video below to learn about the benefits of an HSA!
Additional Resources
CVS Caremark is our pharmacy benefit manager for prescriptions. Click here to download the list of preventative services.
Our Flexible Spending Account (FSA) options are administered by EBC. These accounts allow you to save money on a pre-tax basis to pay for qualified dental and vision expenses and/or dependent care expenses you may incur throughout the year.
Limited Purpose FSA (LPFSA) - The Limited Purpose FSA is only available to employees enrolling in one of our high-deductible health plan options. A Limited Purpose FSA allows you to pay for eligible out-of-pocket dental and vision expenses only. Limited Purpose FSA does not reimburse for medical or Rx expenses. Your HSA election should be maximized first, before contributing to the Limited Purpose FSA. You are able to put up to $3,050 into your Limited Purpose FSA.
FSA Minimums and Carryover
Dependent Care FSA (DCFSA) - You may contribute up to $5,000 per plan year to pay for qualified eligible dependent care expenses. Funds in this account are saved on a tax-free basis. No rollover applies.
EBC Information
Watch the video below to learn more about the Limited Purpose Flexible Spending Account.
Additional Resources
Symbria offers dental coverage through Blue Cross Blue Shield.
How the DPPO Plan Works
A DPPO allows the flexibility to select any dentist in-network or out-of-network. The plan pays a higher level of benefit when you go to a dentist who is contracted with the BlueCare Dental PPO Network. If you go to an out-of-network dentist, your benefits will be based on 80% of reasonable and customary (R&C) charges for a particular service in your area. If the dentist charges more than 80% of R&C, you will be expected to pay the difference.
Blue Cross BlueShield PPO dentists have agreed to charge BCBS plan members significantly reduced rates. Blue Cross Blue Shield PPO has a national network of more than 139,000 dentists. That’s 40% more providers than most large dental networks.
Out-of-Network dentists can charge whatever they like for their services. The plan will only pay benefits up to Blue Cross Blue Shield’s approved fee. If your non-Blue Cross Blue Shield dentist charges you more than the approved fee, you will have to pay the difference. Also, you may have to pay the full bill upfront. You will then submit a claim to Blue Cross Blue Shield to be reimbursed for the covered portion of the charges.
Additional Resources
Symbria offers vision coverage through EyeMed. Vision insurance helps offset the costs of routine eye exams and also helps pay for vision correction eyewear, like eyeglasses and contacts, that may be prescribed by an eye-care provider. By accessing in-network vision providers, you're able to reap the benefit of true vision insurance coverage. You are now able to either (1) utilize the frame allowance and lens copay in the same calendar year or (2) utilize the contact lens allowance and frame allowance (including the 20% discount on lenses) in the same rolling 12 months. You are not able to get contacts and utilize the lens copay for your frames in the same rolling 12 months.
Out-of-network providers merely offer you an allowance towards your vision services. If you go out-of-network for your services, you will pay the entire cost up front and then file a claim with EyeMed to get reimbursed for your services up to the allowance listed below.
Eye-care providers include many independent optical shops and national chains. Some examples include LensCrafters, Pearle Vision, Target Optical and many others.
Additional Resources
Symbria offers a 401(k) Program through Securian. The 401(k) Plan is an employer-sponsored retirement plan that allows employees to save and invest for the purpose of building savings for retirement. Saving through a 401(k) Plan is an easy way to set aside money for your future. Some things to consider:
Contributions to your account:
Investments
You decide which investment options to use and how much to allocate to each. A listing of the plan’s available investment options can be found under the Plan Information section at www.SecurianRetirementCenter.com.
The plan’s optional TargetAge™ feature provides a simple approach to select and maintain a suggested asset allocation based on your age. TargetAge uses a series of allocation portfolios based on age and the investments available in the plan to gradually and automatically shift your entire account’s asset allocation to a more conservative mix of fixed income and equities as you age. With TargetAge, your account is periodically rebalanced. When enrolling in 401(k) on ExponentHR, TargetAge is the default investment allocation.
You can change how your existing balance and/or future contributions are invested at any time. To make changes, select the “Change my Investments” link on the home page after you log into your account at www.SecurianRetirementCenter.com.
You can invest in a pre-mixed model portfolio based on your risk tolerance. A short quiz will help you determine your risk tolerance. The portfolios are selected by the plan sponsor and are made up of several investment options within the plan. The portfolio provides diversification and automatic account rebalancing in one easy choice. For further details, please log on to www.SecurianRetirementCenter.com.
Employee Stock Ownership Plan (ESOP)
As an ESOP company, Symbria is able to express our culture through our ownership structure; the ESOP helps us recognize and celebrate the direct impact our employees have on our success. An ESOP is a type of retirement trust that allows employees to have an ownership stake in the company. In Symbria’s case, the company is 100% employee-owned. Each year, the Symbria ESOP allocates shares of company stock into retirement accounts for all eligible employees. Your ESOP retirement savings will grow through these continuing annual allocations as the number of shares you own increases. The value of those shares may increase as well. Participation in the ESOP for eligible employees is automatic. Through the ESOP, all Symbria employee-owners are inspired to do their best for two important reasons (1) it’s their responsibility as owners and (2) each of them shares tangibility in the wealth they help create.
Symbria offers Legal Insurance through MetLife. Legal insurance helps you address everyday situations like dealing with traffic tickets, resolving warranty issues or buying a home. With MetLife, you will receive in-office services, telephone advice and various online resources. Here is what you can expect when you select the plan:
* Limitations and exclusions apply. For terms, benefits or exclusions, call the MetLife toll-free number.
Symbria offers Nationwide Pet Insurance and Pawp Pet Assistance Program.
Nationwide
If your pet becomes ill, My Pet Protection has you covered. My Pet Protection provides coverage for your dog or cat’s healthcare needs. The coverage has simplified pricing that is not based on age, breed, or size. Obtain a quote and enroll anytime online at www.petinsurance.com/symbria.
Pawp
Pets are truly part of our families and they deserve care as much as we do…that’s why we’re excited to announce our partnership with Pawp to support you and your furry friends!
$3,000 Emergency Fund: Pawp gives you a $3,000 fund to tap into for any urgent visit to any vet. No copay, No deductible, No out of pocket. You do not need to pay this back.
24/7 Access To Vets: Enjoy unlimited 24/7 access to veterinary professionals by video and text. No appointments required.
All you have to do is sign up at www.pawp.com and use the promo code: SYMBRIA and you'll get access to the discounted price of $22/mo. One flat price for up to six household pets.
Symbria offers an innovative new genomic screening program through Genomic Life. With this enhanced health screening, you will have access to proactive genetic tests that will unlock insights into your inherited risks for cancer and other diseases. When you sign-up, the Genomic Life Platform provides you and your family with access to clinically relevant genetic testing, specialized services, dedicated resources, and technology needed to effectively navigate cancer while improving chances of survival. Features include:
Basic Life and AD&D Insurance
Symbria offers and pays the cost of Basic Life/AD&D Insurance through VOYA. This helps ease your loved ones ’ financial burden should something happen to you. Your designated beneficiary will receive a benefit if you pass away. In addition, Accidental Death and Dismemberment (AD&D) provides a second benefit to your beneficiary if you pass away or become dismembered as a result of a covered accident. Always make sure your beneficiaries are updated. Please refer to your benefit guide for more information.
Voluntary Term Life and AD&D Insurance
Symbria offers Voluntary Term Life/AD&D insurance through VOYA. This coverage allows you to purchase additional coverage at your own financial expense to ease your loved ones’ financial burden if something should happen to you. If you purchase coverage on yourself, you’re also eligible to purchase coverage for your family members.
An employee’s maximum benefit election cannot exceed 5x their basic annual earnings. A spouse’s maximum election cannot exceed 100% of what the employee takes out on themselves.
LifeTime Benefit Term Insurance with Long Term Care Coverage through Chubb provides permanent, flexible protection. The policy’s living benefits provide financial support to cover the cost of long-term care you might need as a result of an accident, illness, or aging. As life insurance, LifeTime Benefit Term protects your family with money that can be used any way they choose like your mortgage or rent, education for children, retirement, and final expenses.
Symbria offers Disability insurance through VOYA. If you become ill or suffer an injury that prevents you from working, this form of disability insurance replaces a portion of your income for a defined maximum period of time. Please refer to your benefit guide for more information.
Symbria offers Voluntary Accident coverage through Aflac. Accident coverage pays a cash benefit directly to you to help with out-of-pocket expenses when an accident occurs. Accidents are unexpected, so a lump sum payment can help pay medical costs. Here are some, certainly not all, ways that you can trigger payments from your accident policy:
Ambulance: Pays a specific benefit amount for ambulance or air-ambulance transportation to a hospital
Hospital confinement: Pays a specific benefit amount for each day the policyholder is confined in a hospital due to injuries sustained in a covered accident and sickness rider
Note, this coverage only applies to accidents that occur off the job.
Symbria offers Voluntary Critical Illness coverage through Aflac. Critical Illness insurance can help safeguard your finances by providing you with a lump-sum payment upon diagnosis for many conditions when your family needs it the most.
Cost is dependent upon tobacco status and age. Refer to ExponentHR for a better understanding on cost for all eligible members in your family.
Symbria offers Voluntary Hospital Indemnity insurance through Aflac. Hospital Indemnity Insurance can complement existing medical coverage and help fill financial gaps caused by out-of-pocket expenses such as deductibles, co-payments, and non-covered medical services. The benefits are paid regardless of what is covered by medical insurance.
Symbria offers an Employee Assistance Program (EAP) through ComPsych. EAP service offers caring and professional assistance for a broad range of concerns. Services are confidential - neither your employer nor co-workers have knowledge of your request for help. EAP services are available 24 hours a day, 7 days a week for you and your eligible dependents. There is no cost, it’s just there for you when you need it.
Possible reasons to call can include:
Need some more specialized face-to-face assistance? The EAP offers up to 3 face-to-face visits with trained counselors for each issue you may have.
The EAP also contains online Will Preparation - both free and discounted services for making sure your loved ones are taken care of when you’re no longer here.
Additional Resources
We are happy to announce a new partnership with Livongo Health. BCBS members with hypertension may be eligible to receive a blood pressure monitor and support to include 1:1 coaching with real-time support. Livongo also provides a diabetes management program that includes an advanced blood glucose meter, unlimited test strips, and real-time support from certified diabetes educators. Hypertension and diabetes programs are available at no cost to you if you qualify. Call 800-945-4355 to see if you qualify.
Click here for carrier contact information.
This open enrollment period is the only opportunity to enroll in benefits until the next annual enrollment period unless you experience a qualifying life event.
Certain coverages allow limited changes to your benefit elections during the year. These benefits include the Medical, Dental, Vision, Life, and Disability. For these benefits, you may only make changes to your elections during the year if you have a qualifying life event.
Qualifying life events include:
The change to your benefit elections must be consistent with the qualifying life event. You have 30 days from the qualifying life event to request your enrollment change.
Federal laws require that Symbria provide you with certain notices that inform you about your rights regarding eligibility, enrollment and coverage of health care plans. You can request copies of these documents from the Benefits Team.
Click here for a list of these documents.
